Why Tilla exists
Tilla started from a very ordinary frustration: standing at a till, holding more than one card, and still not really knowing which one is worth using.
The usual route
Before you can answer one simple question
01
Bank offer page
02
PDF terms
03
App banner
04
Old email
05
Merchant category
06
Expiry date
All that, just to decide which card to tap.
Tilla exists to compress that research into a useful answer.
The answer should be simple, but it rarely is. You end up opening bank pages, campaign pages, PDFs, app banners, old emails, and terms that all say slightly different things.
I was spending too much time trying to work this out myself. Not in a fun spreadsheet way, but in the annoying, repetitive way: checking whether a supermarket counted as groceries, whether a wallet payment was excluded, whether points were actually worth anything, and whether a promotion I remembered was still live.
Banks publish the details in different formats, update them at different times, and often put the useful bit several clicks away from the headline offer.
Tilla reads the terms the way a careful person would if they had the time: caps, exclusions, minimum spends, earning rates, redemption values, and offer dates.
Then it turns that into something practical: which card is probably best here, what the catch is, and whether a deal is actually worth paying attention to.
What changes
Buying groceries should not mean checking whether a merchant counts as groceries.
A 5% cashback headline should not hide the cap that makes the real return much smaller.
A salary-transfer offer should show the salary threshold, transfer term, and expiry date up front.
Useful financial tools do not always need to be connected to your bank account. Tilla does not need your card number, your statements, or your bank login to help you make better everyday choices. It only needs to know the cards you carry and the kind of spend you are trying to make.
The goal is to be honest about value. Sometimes the answer is that a headline deal is good. Sometimes the cap makes it much smaller than it looks. Sometimes the best move is not opening a new card at all. Tilla is here to make those trade-offs easier to see, without pretending every offer is amazing.